I have a toshiba laptop I need reset without the recovery disk. Tech support said they could do it over the phone.. But I needed a credit card and I don't have one to use right now. Can someone please help. Thanks in advance

Let us ignore the bait and concentrate on recovering your laptop.

The recovery partition is still on the hard drive, use it to restaure the system:
Turn the computer off.
Press 0 and turn laptop on while maintaining pressure on 0 key
Once you see Hardrive recovery Mode displayed release the 0 key
Follow instructions on screen.

The recovery partition is no longer available or is corrupted
If your laptop is relatively new you can ask Toshiba product support to put you in contact with the company that sells the Recovery CD. They will need the laptop's serial and model number. The recovery CDs cost about 45 $ + applicable taxes.

You do not have a credit card: Use CASH.
Go to a store that sells the OS you are interested in. Buy the software. Should you need drivers, go to the Toshiba support site for your country of residence and download all that is available on the site that pertains to your Model number and your OS.